MINI FLEET INSURANCE Market-leading fleet solutions Discover our refreshed SME Mini Fleet insurance, providing excellent standard cover and a range of improved features. Specifically designed for companies with fleets of between two and 15 vehicles, with flexibility for renewals from two to 20 vehicles. Mini Fleet provides cover for cars, vans, trucks (up to 44 tonnes), trailers and forklifts.
New business, fast With Mini Fleet, you can get an instant quote, bind cover for new business, process Mid Term Adjustments (including Temporary Additional Vehicles) and accept renewals quickly and efficiently via RSA Online, Acturis and SSP. We save you even more time by updating the Motor Insurance Database on behalf of the Insured. We therefore require vehicles to be specified, instead of providing blanket certificates or accepting policies on a declaration basis. Mini Fleet is a Fleet Rated product, and although No Claims Discount (NCD) cannot be earned or protected, RSA can use an existing NCD for new business to help calculate a discount.
Top Tips on using Mini Fleet Online Please take note of the Decline and Refer messages if triggered on RSA Online, Acturis and SSP. For Acturis users, these are output as Rating Notes (you ll see these if you submit a quote that has some element that we don t like or need to discuss further). Decline or Refer messages mostly suggest corrections to your data entry rather than the quote itself being unacceptable For RSA Online users, you can make use of the text messages that appear at the bottom of each vehicle screen where a particular driving restriction might need to apply based on the data that you have entered Be aware that quotes that generate a Refer message need to be referred to us by phone, email or webchat - we will not look at these automatically unless we are contacted Please contact our expert SME Team on 0845 300 4005, if you re unsure what any of the messages mean, and we can help to determine if the quote can be made eligible If using Acturis - try not to enter data in a free-format manner. Our product requires data to be available to it in a certain way, otherwise rating and eligibility calculations can fail. Assigning drivers to vehicles is a common example of this. Tips on how to obtain our best price for Mini Fleet By restricting vehicles to Any Driver over 30 instead of our standard 25 (selectable per vehicle) there is an approximate 10% discount per vehicle Restricting vehicles to Named Drivers. Selectable per vehicle, is worth up to 20% discount per vehicle, but does require collection of driver data. When providing us with Claims Experience information, always try to give us as much as you can. Providing five years claims experience is more beneficial than three years.
EXCELLENT STANDARD COVER OUR STANDARD COVER INCLUDES: Death or bodily injury of any persons (including passengers) unlimited Loss of or damage to material property 20m (cars), 5m (all other vehicles) Stoppage of or interference with transport 1m Additional, permanently fitted in-car electronic, audio and navigation equipment 750 Replacement locks in the event of keys being lost or stolen up to 1,000. OUR COMPREHENSIVE COVER INCLUDES: Personal effects 150 Medical expenses 200 Personal accident up to 5,000 New for old cover for the cost of a replacement vehicle within 12 months of first registration unlimited.
with a range of flexible options Annual Foreign Use The minimum legal requirement is provided in all EU countries as standard. Annual Foreign Use increases this cover to the same level that applies in the UK and can be applied to all Cars and/or all Goods Carrying Vehicles. Tools Cover Applies to Goods Carrying Vehicles covered on a comprehensive basis only a 500 limit is applied to any one claim Legal Assistance Plan Uninsured Loss Recovery with a 50,000 limit for legal expenses related to recovery of uninsured losses Breakdown Available in four different levels for Cars and Goods Carrying Vehicles under 7.5t GVW.
AN APPETITE FOR BUSINESS Now an established product, Mini Fleet is most competitive on: Risks consisting of up to six vehicles although improvements have been made to our rating for anything up to 15 vehicles for new business Risks consisting primarily of car type vehicles Risks with no serious convictions or drivers under 25 Both previously NCD and previously fleet rated vehicles WHERE TO BUY You can buy our new Mini Fleet insurance on Acturis, SSP and RSA Online. We ll also be making our SME products available on more Software House systems via imarket in 2015. Businesses based outside of heavy urban areas Vehicles that can be restricted to Named Drivers or Drivers over 30.
WHY RSA FOR SME? 1. NEW, REFRESHED, EASY-TO-TRADE SME PRODUCTS Our new and refreshed SME products are pricecompetitive, with increased levels of eligibility creating more opportunities for business. Our simple products offer modular covers for even greater flexibility. 2. ATTENTIVE SERVICE AND RESPONSIVE TURNAROUND TIMES We ve improved response times for new business and MTAs. We ve also improved our renewals processes with regular e-bulletins and an online dashboard on RSA Online, where you can access Live Chat to make e-trading with us faster, easier and more efficient. 3. STRONG REPUTATION FOR FAIR CLAIMS As a market-leading SME claims provider, we will deliver an effective and efficient claims service encompassing speed of action, technical excellence and payment in accordance with the policy. Bespoke Supply Chain - exclusive access to a large network of vetted suppliers who provide a range of property services at specially negotiated rates. Unique In-house Loss Adjusting Services to investigate all types of material damage and business interruption claims enable swifter on-site settlement and with no fees for in-house cases. Complex Claims Team with the skills and experience to handle complex cases and major events keeping you moving in the event of a significant loss. We recognise communication is key to a successful partnership and work to agreed service levels to ensure we respond effectively at key points of the claim. See more reasons to choose RSA for SME
4. FINANCIAL STRENGTH AND HERITAGE We re the UK s largest commercial insurer, with a heritage stretching back over 300 years. Our solid credit ratings, A+ Negative from Standard & Poor s and A2 Stable by Moody s, show we ve achieved sustainable, profitable performance in a competitive and challenging market. 6. ACCESS TO SME E-TRADING EXPERTS Our SME e-trading experts provide support in person or by phone, including system demos, coaching, and product and market expertise. If you need help e-trading Office, Shop, Small Business Combined, Properties and Mini Fleet products, speak to your local e-trading consultants to arrange a call or visit. 5. A COMPREHENSIVE RANGE OF ONLINE PRODUCTS As well as our range of SME products, including Mini Fleet, Office, Properties, Shop, Small Business Combined, Hotels & Restaurants and Tradespeople & Homeworkers, we also have several specialist products on RSA Online. These include Professional Indemnity, ecomputers, and our Marine products: Haulage esolutions, Transit esolutions and Cargo esolutions.
YOUR QUESTIONS ANSWERED WHY DON T YOU PROVIDE ANNUAL FOREIGN USE AS STANDARD? We know most fleet insurers provide this cover as standard for most vehicle types. However, during extensive customer research we discovered the majority of customers prefer to have the option of selecting this cover if required. This saves customers having to pay hidden costs for a cover they may never use. The minimum legal requirement in all EU countries is provided as standard Annual Foreign Use cover is only necessary where a customer requires the same level of cover as they have in the UK. ARE ANY TRADES OUTSIDE OF APPETITE? We have a wide trade acceptance in line with the market. Typically, the types of trades we do not have an appetite for are heavy distribution risks or those that involve the carriage of goods or passengers for other firms, for example, haulage, couriers, self-drive hire, taxis and pizza delivery. HOW MANY VEHICLES CAN I QUOTE FOR ON MINI FLEET? Two to 15 vehicles at new business and up to 20 at MTA and renewal. We can accept a reduction to one vehicle at MTA if this is a temporary situation. CAN WE ADD ANY MIXTURE OF VEHICLES? We are currently looking to write only cars, goods carrying vehicles, forklifts and trailers. No more than 50% of the risk should consist of any one of the following types: forklifts, trailers and goods carrying vehicles over 18 tonnes. We can cover goods carrying vehicles subject to these restrictions up to the UK legal limit of 44 tonnes.
CAN YOU ACCEPT A COMBINATION OF PREVIOUSLY NCD AND CLAIMS EXPERIENCE VEHICLES? Yes. Select the predominant previous rating method at policy level and alter this for any vehicles with a different previous rating method. You will also be required to enter claims experience for all vehicles, not just those previously experience rated. ARE YOUNG DRIVERS ACCEPTED? Yes. For the majority of vehicles we allow cover for drivers under 25, as long as they are specified. This means their details have to be added to the policy as though they were a named driver. This gives us a better idea of the risk we re quoting for and allows us to price accordingly using specified younger drivers enables us to quote more competitively. HOW CAN I ADD A TEMPORARY ADDITIONAL VEHICLE (TAV)? Our refreshed product allows you to add Temporary Additional Vehicles via Acturis, SSP and RSA Online. To do this, you need to answer yes to the question Is this a temporary vehicle? and add both a start date and an end date to the vehicle. If acceptable, the TAV will rate automatically and the customer will be charged a short-term flat-rated premium for the change.
rsabroker.com/sme Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. UKC04687